I completley agree.
If this really is genuine and you're in any doubt whatsoever, don't go ahead with it. You don't need to rush losing your virginity. I imagine having sex with a stranger or escort has the potential to cause quite an emotional fallout, even if you're already fairly sexually experienced, and you might not be able to deal with that.

just go to a restaurant or something for a meal or whatever and enjoy his company. Maybe then you'll get a bit more confident around guys and make a move on someone you really like. Use it as a learning tool if you cant get a refund.